A
Santa Barbara Teachers Federal Credit Union
Rating Date
September 2025
Net Capital
Ratio
12.94
Leverage
Ratio
13.45
Return On
Assets
0.96%
Total
Assets
296.48M
Capital
38.36M
Total
Deposits
256.64M
Net
Income
1.40M
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Weiss Ratings Santa Barbara Teachers Federal Credit Union
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Rating A
Asset Quality Index 10.00
Capitalization Index 10.00
Liquidity Index 7.80
Profitability Index 5.20
Stability Index 8.80
Company Info Santa Barbara Teachers Federal Credit Union
Santa Barbara, CA 		Click to
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NCUA Charter Number 821
Phone Number (805) 682-2467
Website www.sbtfcu.org
Asset Quality Santa Barbara Teachers Federal Credit Union
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1-Year Asset Growth 4.39%
5-Year Asset Growth 3.40%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.02%
Non-Performing Loans to Loans 0.02%
Balance Sheet Santa Barbara Teachers Federal Credit Union
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Total Assets 296.48M
Total Deposits 256.64M
Capital and Reserves Santa Barbara Teachers Federal Credit Union
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Capital 38.36M
Leverage Ratio 13.45
Loan Loss Reserves to Loans 0.23%
Liquidity Santa Barbara Teachers Federal Credit Union
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Hot Money Ratio 0.00%
Liquidity Ratio 88.42%
Profitability Santa Barbara Teachers Federal Credit Union
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5-Year Return on Average Assets 0.71%
Net Income 1.40M
Net Interest Spread 3.28%
Operating Profit to Average Assets 0.97%
Overhead Efficiency Ratio 60.12%
Return on Assets 0.96%
Return on Equity 7.43%